Home Mortgage Rates
Fixed Rate Mortgages - Conventional
Rates effective as of: 12/08/2025
| Term | Rate | Origination Fee | Discount Points | APR* |
|---|---|---|---|---|
| 30 Year | 5.875% | 1.000% | 0.000% | 6.643% |
| 20 Year | 5.500% | 1.000% | 0.000% | 6.245% |
| 15 Year | 5.125% | 1.000% | 0.000% | 5.849% |
| 10 year | 5.125% | 1.000% | 0.000% | 5.943% |
APR = Annual Percentage Rate. Valid for fixed rate first mortgages for owner occupied properties. Construction loans are excluded from this offer. Maximum loan to value is 95%. Rates subject to change without notice. Third party fees will apply. Fees subject to change without notice. Consult your tax advisor regarding the deductibility of interest and discount points. You must maintain insurance on the property that secures the loan. APR calculations are based on a loan value of $285,000. All loans subject to credit approval. Contact US Eagle for additional details.
For example, your principal and interest payment could be $1,687.00 per month for a $285,000 loan on approved credit at 5.875% for 30 years. APR subject to change. Even lower rates are available for 20-year, 15-year and 10-year terms. Property taxes, insurance and private mortgage insurance (PMI) could affect this payment amount.
Loan Amounts up to $832,750
Your rate and APR may vary depending on (including but not limited to): loan term, loan amount, points, credit score and property occupancy. Cash out may affect Discount Points. Other rates and products are available.
Fixed Rate Mortgages - Jumbo
Rates effective as of: 12/08/2025
| Term | Rate | Origination Fee | Discount Points | APR* |
|---|---|---|---|---|
| 30 Year | 7.250% | 1.500% | 0.000% | 7.486% |
*APR = Annual Percentage Rate. Valid for fixed rate first mortgages for owner occupied properties. Construction loans are excluded from this offer. Maximum loan to value is 80%. Rates subject to change without notice. Third party fees will apply. Fees subject to change without notice. Consult your tax advisor regarding the deductibility of interest and discount points. You must maintain insurance on the property that secures the loan. APR calculations are based on a loan value of $880,000. All loans subject to credit approval. Contact US Eagle for additional details.
For example, your principal and interest payment could be $6,004.00 per month for a $880,000 loan on approved credit at 7.250% for 30 years. APR subject to change. Property taxes, insurance and private mortgage insurance (PMI) could affect this payment amount.
Loan Amounts from $832,751 to $1,249,125.
Your rate and APR may vary depending on (including but not limited to): loan term, loan amount, points, credit score and property occupancy. Cash out may affect Discount Points. Other rates and products are available.
Fixed Rate Mortgages - 30 Year - VA
Rates effective as of: 12/08/2025
| Rate | Origination Fee | Discount Points | APR* |
|---|---|---|---|
| 5.625% | 0.000% | 0.000% | 5.722% |
*APR = Annual Percentage Rate. Valid for fixed rate first mortgages for owner occupied properties. Construction loans are excluded from this offer. Maximum loan to value is 100%. Rates subject to change without notice. Third party fees will apply. Fees subject to change without notice. Consult your tax advisor regarding the deductibility of interest and discount points. You must maintain insurance on the property that secures the loan. APR calculations are based on a loan value of $300,000. All loans subject to credit approval. Contact US Eagle for additional details.
For example, your principal and interest only payment could be $1,728.00 per month for a $300,000 loan on approved credit at 5.625% for 30 years. APR subject to change. Property taxes and insurance could affect this payment amount.
Your rate and APR may vary depending on (including but not limited to): loan term, loan amount, points, credit score and property occupancy. Cash out may affect Discount Points. Other rates and products are available.
Commonly Asked Questions
Your mortgage rate is determined by your credit score, down payment, loan type, and property details. As explained on our mortgage and home loans page, credit score and loan term play a major role in the final rate you receive. Our mortgage team can walk you through these factors and help you understand which rate options best fit your homebuying plans in New Mexico.
We update our mortgage rates regularly, and they can change daily based on shifts in the financial markets. The rates listed on our website reflect the most current information available. If you’re watching the market or comparing options, our team is always available to help you review today’s rates and how they align with your goals.
Yes. Once you begin your mortgage application, you can lock in your rate for a set period so it will not change while your loan is moving through processing and underwriting. A rate lock guarantees the interest rate you were offered at the time of locking, even if market rates rise afterward. Lock periods vary in length and are designed to give you enough time to complete your appraisal, documentation, and closing steps. Different loan programs may also offer extended lock options, depending on your timeline and the current New Mexico mortgage market.
Many members find that our rates are very competitive compared to traditional banks, thanks to the value-focused structure of a local credit union. While your rate will depend on your individual financial profile, we are always happy to review your options and provide a personalized quote so you can compare with confidence.
Mortgage rates in New Mexico tend to follow national trends, though local housing conditions can create slight differences. Rates in Albuquerque and surrounding areas often fall close to national averages. If you’re preparing to buy or refinance, we can help you understand how current New Mexico rates fit into your overall plan.
Yes. Your credit score has a significant impact on the mortgage rate you qualify for. As discussed in our financial education resources, individuals with higher credit scores often receive lower rates because they reflect strong borrowing habits. If you're working on improving your credit or want clarity on how your score influences your rate, our team is here to guide you through your options.
The interest rate is the percentage you pay each year for borrowing the principal amount of your home loan. APR, or Annual Percentage Rate, reflects the interest rate as well as certain additional costs associated with the mortgage, which may include lender fees or other charges. Because APR accounts for these added costs, it provides a more complete view of the total cost of financing over the life of the loan. Reviewing both the interest rate and APR can help you compare mortgage options more accurately.
Yes. Rates can vary depending on whether you're financing a primary residence, second home, or investment property, and shorter loan terms often come with lower interest rates. If you're considering multiple property or loan term options, our lending team can help you compare your choices and find the structure that fits your goals.